Many Tenants are Without Renters Insurance!
In a state with as many renters as Ohio has, you would think the penetration rate for renters insurance would be much higher than it is. Surprisingly, it’s not. Very few renters in Ohio carry renters insurance, and they’re making a big mistake by not doing so. Not having renters insurance is a great way to open yourself up to losses and lawsuits. Protect yourself with renters insurance from Effective Coverage today.
Welcome To Ohio
If you’re a Republican, living in Ohio gives you substantial responsibility – no Republican who lost Ohio in the general election has ever been elected President. By the way, if you’re interested in whether Republicans or Democrats are more likely to have renters insurance we conducted a study on just that.
More Presidents have also come from Ohio than from any state except Virginia. You could arguably even remove the qualifier on that statement because Virginia is organized as a Commonwealth. That’s mere semantics in modern times, of course, but the distinction still exists even if the differences between them are few.
Ohio is also home to 34 astronauts who either were born in or lived in Ohio. That’s a substantial chunk of the total, especially when you consider the combination of education, experience, and willingness to take risks (but well-chosen and carefully scripted ones) that are prerequisites to joining that club.
Between the Presidents and the astronauts they’ve given us, maybe there’s something special about Ohioans.
Official Ohio Renters Insurance Guide
Do you know enough about renters insurance in Ohio to protect your family properly? Learn more from the Ohio renters insurance experts!
Can College Students Get Renters Insurance?
Of course! From the Franciscan University of Steubenville to Ohio State University, renters insurance for college students is easy to find. Effective Coverage provides renters insurance to people at all stages of their lives, but renters insurance for college apartments might be the most important type for many people. As college students, it’s not likely that you’d be able to respond to a financial demand in a lawsuit, nor replace everything you own from the ground up. Just because you got the couch for free doesn’t mean replacing it will be free, and Ohio renters insurance pays for replacement cost, vs actual cash value, to replace your personal property after a loss. In general, Ohio residents who insure with Effective Coverage save money on their renters insurance policy by an average of about 13%.
Do I Need Renters Insurance If I’m Downsizing My Empty Nest To An Apartment?
Absolutely! People who are downsizing to an apartment need renters insurance, too. Just because you’re not living in a home doesn’t mean you don’t still own things you couldn’t live without. Just because you’re downsizing to an apartment doesn’t mean someone won’t find a creative way to sue you just because you look like an easy target. It happens all too often. It’s even more important now – your assets are what you plan to live on the rest of your life. It just wouldn’t do for someone to take them away with a frivolous lawsuit. It’s the same reason you keep higher limits on your auto insurance once you downsize – to protect your assets. If you’re retired, that’s all you’ve got. Chances are that as part of the downsizing, you probably sold your house and took away cash that you’ll depend on for years to come. You can’t afford to replace everything you own out of that cash, and you can’t afford to have it taken from you. Renters insurance is just as important in your empty nest days as it is to those who are still in college.
Some Towns Require Liability Insurance For Dog Owners. Does renters insurance cover this?
It certainly can be. When buying renters insurance to meet dog liability requirements, make sure you’re asking the right questions. You also need to make sure you’re answering the right questions! Some insurance carriers don’t like particular breeds of dogs and won’t write the policy or will charge more for it. If you’re not 100% honest about the types of dog you have, your Ohio renters insurance could be canceled or non-renewed. In the event of a claim arising from a dog you didn’t properly disclose, you could even find yourself without coverage for your dog on your Ohio renters insurance liability! Make sure you work with a renters insurance provider who accepts the breeds of dog that you have, and the ones you might get in the future. In a worst-case scenario, lies or material misrepresentations in the application process could not only find you without coverage but also subject to additional penalties from the town that requires renters insurance for dogs!
How Can I Get Renters Insurance?
Work with a provider that specializes in renters insurance, to make sure you get the best coverage and the best deal. Effective Coverage specializes in renters insurance and can help you through the process. Also, make sure you’re working with a company that understands your needs as a renter. Finally, make sure that you don’t just assume the default limits on an Ohio renters insurance policy are enough for you! If you have significant income or assets, you may need more than the default $100,000 of liability, or the default $15,000 of personal property. It’s not hard to adjust those limits since the base policy only runs about fifteen dollars a month.